Risk Profile Calculator

Here are 20 carefully designed questions to assess your risk profile.

Answering all questions is required;

According to the answer you choose, a risk profile score will be generated and a suitable asset wise mix will be given.

Please note that this a model risk profiling. It is advisable to consult an Investment Adviser for customized plan.

In no event, we shall be liable for any loss made by acting upon this.

If a question is not applicable to you, try to imagine what you would have done there...

What is your age?

Q. 1 - 20

Below 25
25 to 34
35 to 44
45 to 55
Above 55

What is your Investment Horizon? (Time Frame in which you would want the money back)

Q. 2 - 20

Less than 1 year
1-3 years
3-5 years
5-10 years
More than 10 Years

Which of the following statements would best describe your level of knowledge as an investor?

Q. 3 - 20

I don't understand investment terminology at all.
I am not very familiar with investment options available and financial planning.
I know how to identify and invest in mutual funds and secondary market debentures.
I understand investment principles and trade shares in the secondary market.
I am a proficient investor who's able to understand concepts such as PE, ROE, Beta and hedging.

What is your current employment status?

Q. 4 - 20

Unemployed
Salaried Employee
Self-Employed / Professional
Business / Freelancer
Currently salaried employed, planning to start my own business full time in near future

How much you can save from your current monthly Income?

Q. 5 - 20

Less than 5%
5-10%
10-15%
15-20%
More than 20%

How many people dependent on you? (Spouse, Children, Parents and others)

Q. 6 - 20

0
1
2-3
4-5
More than 5

If you lose your job or work capability now, how much time you can sustain (all expenses including EMIs) with your Savings and Liquid Investments?

Q. 7 - 20

Less than 6 months
6 Month to 1 Year
1-2 Years
2-3 Years
More than 3 Years

Where does most of your net savings invested in currently?

Q. 8 - 20

Saving Accounts and Liquid Instruments
FD and Debt Instruments
Equity Shares
Equity Mutual Funds
Gold and Real estate

What is the most important factor for you while you make an Investment?

Q. 9 - 20

Safety of Capital
Regular Income
Regular Income with a little Capital Appreciation
High Capital Appreciation against risk taken
Highest potential Return

What kind of stock would you rather pick if you start direct equity trading? (Choose where most the money would be invested?)

Q. 10 - 20

High dividend yield PSUs (Govt owned Companies)
Low P/E – deep value, Profit making Companies
Bluechip Index Companies – consistent performers
Momentum stocks or cyclical stocks when price starts rising
High risk, high growth stocks

What would you rather do with Rupees 5 Lac earned as bonus?

Q. 11 - 20

Spend all on Luxuries
50% Spend – 50% Invest
Invest all in Fixed Income Instrument
Invest 50% FDs – 50% High Risk, High Return Assets
Invest all in High Risk, High Return Assets

You are on a game show and you can choose only one of the following, Which one would you take?

Q. 12 - 20

Rs. 25,000 sure gift
Rs. 50,000 with 50% chance of winning the game
Rs. 1 Lac with 25% chance of winning the game
Rs. 5 Lac With 5% chance of winning the game
Rs. 25 Lac with 1% chance of winning the game

You have just finished saving for an “once-in-a-lifetime” vacation. 3 weeks before you plan to leave, you lose your job/work. What would you do?

Q. 13 - 20

Drop the plan of vacation
Do a modest vacation in nearby places
Shorten the schedule of the vacation
Go as per the schedule
Extend the vacation as you may not get leaves in new job, once started

When you think of the word “risk,” which of the following words comes to mind first?

Q. 14 - 20

Loss of Capital
Avoid Risk
Uncertainty of the outcome
Opportunity to outperform
Excitement to gain more

Given the best and worst case returns of the five investment choices below, which would you prefer?

Q. 15 - 20

6% Best Case Gain – No loss in worst case
9% Best Case Gain – 1% loss in worst case
12% Best Case Gain – 3% loss in worst case
18% Best Case Gain – 6% loss in worst case
30% Best Case Gain – 12% loss in worst case

What is the status of your residence?

Q. 16 - 20

Living in a rented house for lower time frame agreement
Living in a rented house for long lease
Living in owned house with Home Loan
Living in my own house and not likely to have any changes
Living in my own house, owning other properties given on rent

When you suffer a financial loss, what are your feelings?

Q. 17 - 20

I almost never suffer losses, because I stick to investments that do not depreciate in principal value.
I blame myself for making bad decision
I think it has happened because it was my destiny
I take it as failure and try to improve
I view it as a hurdle that almost everyone faces, and I need to cross it

How would you define your income stability?

Q. 18 - 20

Unstable and likely to fluctuate
Unstable but may grow as inflation
Stable with growth as much as inflation
Stable with growth more than inflation
Stable and likely to rise more than most asset classes

Risk Profile Calculator

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